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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,333 | $50,947-16.9% | $74,551-43.2% | $64,173-34.0% |
| Participation rate | 96.2% | 61.1%+35.2pp | 69.1%+27.1pp | 69.6%+26.7pp |
| Annual return | -3.97% | -1.85%-2.1pp | 32.53%-36.5pp | 7.63%-11.6pp |
| Employer contribution / active EE | $2,654 | $1,115+137.9% | $1,961+35.3% | $2,381+11.5% |
| Participant deferral / active EE | $4,894 | $2,302+112.6% | $3,108+57.4% | $3,470+41.0% |
| Admin fee / account holder | $943 | $4,221-77.7% | $5,059-81.4% | $4,887-80.7% |